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Mark Heath Woodward

Accredited Investment Fiduciary with over 20 years experience working with retirement plans!

Kestra Investment Services, LLC



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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Accounting & Tax


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Kestra Financial Services, Inc. 3 years, 10 months Apr 2016 - Present
Nfp Advisors 3 years, 1 month Mar 2013 - Apr 2016
Ids Life Insurance Company 15 years, 6 months Aug 2004 - Present
American Express Financial Advisors 8 years, 7 months Aug 2004 - Mar 2013

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Accredited Investment Fiduciary
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Accredited Portfolio Management Advisor
    Accredited Portfolio Management Advisor
    Individuals who hold the APMA designation have completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory and investor psychology.
  • Chartered Retirement Planning Counselor
    Chartered Retirement Planning Counselor
    The CRPC Program focuses on the pre- and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience.

Articles and Answers

Insights by Mark Woodward

    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    What happens to a deceased 401k with a lost beneficiary form?
    Gladys,I am sorry to hear about your Mother's passing. Your Mother's 401(k) account will not pass automatically to her estate as stated above. The reason for that is that 401(k) Plans are goverend by ERISA law which is Federal and estate laws are state level laws that cannot pre-empt ERISA. All ...  (more)
    Answered Jan 2015
    If I leave my job because of medical issue and am applying for social security disability do I still get charged?
    Mary, the answer to your question is dependant on whether or not your Social Security disability is approved. If it is, you should not be assessed the 10% early withdrawal penalty by the IRS. If the disability is denied by SS, then withdrawals from employer sponsored retirement plans and tradition...  (more)
    Answered Jan 2015
    Am i available for a 401k loan ?
    Richard,Your employer's 401(k) Plan is governed by the Plan Document, which is a legal document that spells out how the plan will operate and who is able to participate in it. The Summary Plan Description (SPD) is a summary of the Plan Document but is not always 100% accurate and should not be rel...  (more)
    Answered Jan 2015
    I resigned in 2012 from a company. Do I have to wait until I am 65 or can i sell back my ESOP stock back to the company?
    Jorge,The ESOP Plan Document will spell out what your rights are under the Plan. This document should provide details of what you can do with your ESOP stock after separation from service. I would pursue this with the Plan Administrator sooner rather than later as some plans only give you a short...  (more)
    Answered Jan 2015
    How can i get form for tax purposes if i receive retirement benefits?
    Robert, depending on the type of retirement plan you are receiving income from you may need to contact different entities for your 1099-R. If you are receiving income from a 401(k) Plan or profit sharing plan, you should contact the custodian of the plan (where the assets are being held ie Vanguard...  (more)
    Answered Jan 2015
    My wife currently has two retirements plans with the same fund family: 401k & 403b. Can she roll the 403b into the 401k?
    Brian,There are two main considerations for your question: first, a rollover transaction as you are describing is allowable per IRS regulation. Second, as Larry mentioned above the 401(k) Plan of the new employer (purchasing company) has a Plan document that governs how that plan is run and detail...  (more)
    Answered Feb 2015
    How do I make sure that I don't owe taxes on a disbursement taken from my defined pension plan and rolled into an IRA?
    Gilda,There are a few moving parts here that will all impact your tax liability. First, the fact that you are receiving a monthly income from your pension plan will cause you to have a tax liability on that income. The portion of the pension that you took in a lump sum and rolled over into an IRA...  (more)
    Answered Feb 2015
    How Do I find out if I have money an an esop?
    Angela,I agree with Greg as stated above, you can start by contacting the company's HR department to ask if you have a balance in the ESOP. You can also contact the service provider to ask if you have a vested balance in the ESOP. Your paystubs should reflect any payroll deductions that you had c...  (more)
    Answered Feb 2015
    Should I take the lump sum, invest some, or use some of it to reduce the interest on my home mortage?
    Belinda,You should weigh your options carefully. Typically a lump sum of money in hand now is worth more than installment payments over time. The biggest reason for this is the ability of that lump sum to grow at compounded rates. In your question you mentioned that these are child support payme...  (more)
    Answered Jan 2015
    I recived a check from the retirement service i moved and didnt cash check in time will i still be able go get the mony?
    Letty,There are two potential issues that your question/situation may be dealing with. The first, and more simple situation is simply that you did not cash a check for a full retirement plan distribution within the timeframe specified on the check. These types of check are typically good for only...  (more)
    Answered Jan 2015
    I have a very good company sponsored 401k. The company was paying the matching funds as company stock.
    C,By diversifying away from a concentrated position in your company's stock, you are giving yourself a more balanced portfolio and over time you are giving yourself a better chance at an appropriate risk adjusted rate of return. As it pertains to your income withdrawals in retirement, you are elim...  (more)
    Answered Jan 2015
    I want to access my personal 401k Statement. Would just like to know the balance. Please tell me how to find it.
    Donald,I would start by checking with your company's HR or benefits department. They can either provide you with a copy of your most recent statement or direct you to the Plan's recordkeeping service provider who can provide you with your statement. Your 401(k) Plan should be sending you a statem...  (more)
    Answered Apr 2015
    My employer gives a incentive bonus quarterly.Half in check to me and the other half put in 401k.Am I 100% vested?
    Ron,If your incentive bonus is considered "earned" "eligible" compensation for the purposes of your 401(k) Plan, then you should be 100% vested in those funds. It is advisable to check the Plan Document to verify that there is not a vesting schedule attached to that contribution type. You should ...  (more)
    Answered Feb 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Feb 12, 2020
      • license status
      • disclosures
      • as of date
        Oct 26, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on Feb. 13, 2020
        • $38.5M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 68
          number of clients
        • $566.2K
          Estimated Average Account Balance Per Client

      Kestra Investment Services, LLC

      Last updated on July 27, 2016
        • $12.3B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 54K
        • $225.2K
          Estimated Average Account Balance


      Types of Compensation Arrangements

      • Percentage Of Assets
      • Hourly Charges
      • Fixed Fees